Business Credit Analyst at Zedcrest

• Bachelor’s degree in Finance, Accounting, Economics, Statistics or any numerate field.
• Minimum of 4-5 years of experience in credit underwriting and product operations, preferably in a financial services institution.
• Good understanding of business, economic, and industry risk.

Responsibilities

• Evaluate the financial status of potential customers, monitor existing clients, perform risk assessments and make informed decisions while extending credit.
• Analyze and assess the financial statements and credit history of existing and potential clients.
• Review credit applications and perform credit checks.
• Structure deals and perform risk assessments.
• Make informed decisions backed by sound assessment.
• Consult and negotiate with clients regarding financial transactions, payment terms, and credit limits.
• Evaluate the creditworthiness of business loan applications by analyzing financial statements, credit reports, and other relevant information.
• Determine the appropriate loan structure based on the client’s creditworthiness and the company’s risk appetite.
• Assess risks associated with each loan and make recommendations to management regarding credit approvals and loan structures.
• Collaborate with sales and operations teams to ensure smooth loan disbursement and repayment.
• Develop and maintain relationships with borrowers, ensuring a high level of customer service and satisfaction.
• Stay up to date with industry trends, regulatory requirements, and best practices in credit analysis.
• Contribute to the development and improvement of credit policies and procedures.
• Prepare reports and presentations for management on credit risk and portfolio performance
• Handle multiple projects and submit applications on time.
• Financial forecasting.
• Keep abreast of financial news and trends.

Requirements

• Strong analytical skills with the ability to interpret financial statements, credit reports, and other relevant data.
• Ability to assess credit risk and make recommendations based on analysis.
• Excellent communication and interpersonal skills, with the ability to build and maintain strong relationships with borrowers and other stakeholders.
• Proven ability to work independently and as part of a team.
• Proficiency in Microsoft Office Suite (Excel, Word, PowerPoint).
• Ability to practice due diligence.
• Good critical-thinking skills; ability to effectively gather data, analyze and make well informed decisions.
• Desire and aptitude for learning new concepts on the job.
• Strong problem-solving skills and ability to navigate complex technical issues.
• Proactiveness; going beyond the obvious, gathering complex data to get to the heart of issues.
• Time management – Ability to prioritize tasks, multi-task, manage deadlines and work efficiently.
• Ability to thrive in a fast-paced and dynamic environment.